Applying for a loan using someone else's documents

What to do if a loan has been issued in your name without your knowledge

First, you need to check if you have your passport. If it is stolen or lost, you must contact law enforcement agencies (passport office) as soon as possible with a statement. If the passport is in place, but a loan has been opened, your passport has simply been forged. Fraudsters successfully used the forgery and opened a loan in your name. Passport data could also be fished from sources such as online stores, bonus cards, or questionnaires. Using the input data, it is not difficult to cobble together a duplicate. In such cases, at the first stage, you need to contact the bank branch where the loan was issued. An internal investigation should be appointed there. After your request, the lending institution is obliged not only to respond to your statement, but also to notify you of certain results. A police report should be filed in any case. Law enforcement officers, for their part, are obliged to conduct their own investigation. The banking institution may ignore your application for a number of reasons, in which case you should go to court.

What additional steps need to be taken

After someone takes out a loan in your name without your knowledge, relevant information begins to arrive. Under no circumstances should you ignore them. Moreover, you must carefully read each document arriving at your address to obtain comprehensive information. All receipts and notices will be useful to you in case of going to court. In the future, you should be more careful about your confidential data.

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